Insurance

Actual Costs of Manual Rating and Citations in 2025

This post is part of a series sponsored by expert insurers.

Every minute your team manually quotes will be lost in your game. Whether you are an MGA, wholesaler or a carrier, manual citations are not only inefficient, but also expensive. That’s why sticking with spreadsheets, carrier portals, and email-based ratings hurts your business more than you think.

  1. Manual rating is a time receiver
Task Time spent manually Time with RQB + Selectsys
Data input operator portal 8-15 minutes 0-1 minute (automatically pushed)
Verification Insurance Application Form + Sovs 5-10 minutes Automatically read and marked by AI
Multi-carrier comparison More than 20 minutes 2-3 minutes through RQB logic

Now multiply it by 50 submissions per day.

  1. You’re burning wages and opportunities

Quoting teams usually waste 3-4 hours a day repeatnot a risk analysis.

Although your team gets stuck with data, your competition is:

  • Quoting faster
  • Respond first
  • Constrained transactions
  1. Manual reference = manual error

Even the best team fat – zip code or misleading class code.
A small error may be:

  • The accuracy of your quotes
  • Resulting in rework
  • Trigger compliance red flag

With RQB + Selectsys, the ratings are accurate, consistent and auditable.

  1. Operators’ appetite is always changing. Who are you?

Manual references are often missed:

  • Transfer of carrier qualifications
  • Appetite filter changes
  • API updates

RQB is updated daily. You reference with real-time data, not outdated PDFs or tribal knowledge.

Real-world impact: after RQB + Selectsys before VS

Metric system Previous (Manual) After (AI + RQB)
Daily quote (each representative) 8-10 20-30+
Errors that need to be reworked 10-15% <2%
It’s time to quote multiple vectors 30-60 minutes 5-10 minutes
It’s time to train new employees How many weeks Day (automatic workflow)

The loss of manual citation is beyond your imagination.

Let Selectsys + RQB automate busy work so your team can underwrite, sell and win.

Try to quote the pilot today.

Request a demo →

FAQ

Can RQB work with our AMS or CRM?

Yes. RQB is integrated with AMS360, Applied Epic, Salesforce and most rating engines via API.

What leaf references do you support?

WC, GL, property, automobile, inland ocean, BOP, network, etc.

Do I need a technical team to implement RQB?

no. We handle setup, mapping, and onboarding. You only select the workflow.

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